1Rates effective as of 11/7/2018. APY = Annual Percentage Yield. APR = Annual Percentage Rate. All rates subject to change without notice. Foreign transaction fees may apply.
Share (Savings) Accounts
| Account | Minimum Opening Deposit | Dividend Rate | APY |
|---|---|---|---|
| Primary Share Savings | $25 | 0.05% | 0.05% |
| breeze rewards Primary Share | $25 | 0.05% | 0.05% |
| Member's Choice | $0 | 0.05% | 0.05% |
| Sprout Savings | $5* | 0.05% | 0.05% |
| Secondary Share | $0 | 0.05% | 0.05% |
| Christmas Club Share | $0 | 0.05% | 0.05% |
| Business Share Savings | $25 | 0.05% | 0.05% |
*Limited time offer—visit our Sprout Savings page for more details
Dividends will be paid on balances of $25 or greater.
Fees may reduce earnings.
Money MarketLearn More
| Deposit | Dividend Rate | APY |
|---|---|---|
| $2,500 - $14,999.99 | 0.05% | 0.05% |
| $15,000 - $49,999.99 | 0.10% | 0.10% |
| $50,000+ | 0.20% | 0.20% |
| IRA Money Market | 0.05% | 0.05% |
*Limited time offer—visit our Sprout Savings page for more details
Dividends will be paid on balances of $25 or greater.
Fees may reduce earnings.
Share CertificatesLearn More
| Term | Dividend Rate | APY |
|---|---|---|
| 6 month1 | 0.35% | 0.35% |
| 12 months2 | 0.50% | 0.50% |
| 24 months2 | 0.85% | 0.85% |
| 36 months2 | 2.23% | 2.25% |
| 48 months2 | 2.32% | 2.35% |
| 60 months2 | 2.52% | 2.55% |
1 6 month certificate early withdrawal penalty subject to 90 day dividends, whether earned or not.
2 Early withdrawal subject to 180 day dividends penalty, whether earned or not.
Fees may reduce earnings.
IRA CertificatesLearn More
| Term | Dividend Rate | APY |
|---|---|---|
| 6 month1 | 0.35% | 0.35% |
| 12 months2 | 0.50% | 0.50% |
| 24 months2 | 0.85% | 0.85% |
| 36 months2 | 2.23% | 2.25% |
| 48 months2 | 2.32% | 2.35% |
| 60 months2 | 2.52% | 2.55% |
1 6 month certificate early withdrawal penalty subject to 90 day dividends, whether earned or not.
2 Early withdrawal subject to 180 day dividends penalty, whether earned or not.
Fees may reduce earnings.
Credit Cards (Fixed Rate)*Learn More
| Card | APR** | Payment per $1,000 |
|---|---|---|
| SunSelect Credit Card | As low as 7.99% | n/a |
| SunSelect Secured Credit Card | Currently 10.99% | n/a |
| APEX Business Credit Card | As low as 8.99% | n/a |
* Foreign transaction fees will apply.
** Not all applicants will qualify for the lowest rate.
Vehicle LoansLearn More
| Terms Available | Loan-to-Value | APR as low as* | Payment per $1,000 |
|---|---|---|---|
| Up to 48 months | Up to 110% financing (vehicles < 5,000 miles) | 1.75% | $21.59 |
| Up to 60 months | Up to 110% financing (vehicles < 5,000 miles) | 2.25% | $17.64 |
| Up to 72 months | Up to 100% financing (vehicles < 30,000 miles) | 3.49% | $15.41 |
| Up to 84 months | Up to 100% financing (vehicles < 30,000 miles) | 3.99% | $13.66 |
Rates reflect relationship loan discount pricing & reflects Eco-Friendly qualified loan discount.
* Not all applicants will qualify for the lowest rate.
Snowmobiles / ATVs / Powered Watercraft (non-boat)Learn More
| Terms Available | Loan-to-Value | APR as low as* | Payment per $1,000 |
|---|---|---|---|
| Up to 24 months | Up to 100% financing | 3.74% | $43.31 |
| Up to 48 months | Up to 100% financing | 4.00% | $22.58 |
| Up to 60 months | Up to 100% financing | 5.00% | $18.87 |
Rates reflect relationship loan discount pricing.
* Not all applicants will qualify for the lowest rate.
MotorcyclesLearn More
| Terms Available | Loan-to-Value | APR as low as* | Payment per $1,000 |
|---|---|---|---|
| Up to 24 months | Up to 110% financing | 3.49% | $43.20 |
| Up to 60 months | Up to 110% financing | 3.99% | $18.41 |
Rates reflect relationship loan discount pricing.
* Not all applicants will qualify for the lowest rate.
Boats / Campers / RVsLearn More
| Terms Available | Loan-to-Value | APR as low as* | Payment per $1,000 |
|---|---|---|---|
| Up to 60 months | Up to 100% financing | 3.74% | $18.30 |
| Up to 84 months | Up to 100% financing | 4.74% | $14.01 |
| Up to 120 months | Up to 100% financing | 5.50% | $10.85 |
| Up to 144 months | Up to 100% financing | 6.00% | $9.76 |
Rates reflect relationship loan discount pricing.
* Not all applicants will qualify for the lowest rate.
Personal Loans
| Type | Maximum Amount | Terms Available | APR as low as* | Payment per $1,000 |
|---|---|---|---|---|
| Personal Loan1 | $25,000 | Up to 72 months | 7.49% | $17.29 |
| Debt Consolidation Loan2 | $25,0002 | Up to 72 months | 11.99% | $19.54 |
| CD Secured Loan3 | n/a | Up to 60 months | 3.00% over the CD Dividend Rate | $18.75 |
| EasyCash Loan1 | $7,500 | Up to 12 months | 5.49% | $85.83 |
| Overdraft Protection | $5,000 | Revolving | 16.99% | n/a |
| TAP Personal Line of Credit4 | $7,500 | Revolving | 10.25% | n/a |
1 Rates reflect relationship loan discount pricing.
2 Maximum of 50% of non-Evergreen Credit Union debt may be consolidated.
3 APR and cost per $1,000 dependent on the rate and term of the term certificate used to secure the loan.
4 Current APR of Prime + 5% (APR is adjusted monthly and based on the Wall Street Journal Prime. Max APR is 18%)
* Not all applicants will qualify for the lowest rate.
Home Equity Loans/LinesLearn More
| Maximum Term / Type | Loan-to-Value | APR* | Payment per $1,000 |
|---|---|---|---|
| Up to 60 months | 80% | 3.99% | $18.41 |
| Up to 60 months | 85% | 4.49% | $18.64 |
| Up to 60 months | 90% | 4.74% | $18.75 |
| Up to 120 months | 80% | 4.49% | $10.36 |
| Up to 120 months | 85% | 4.99% | $10.60 |
| Up to 180 months | 80% | 4.99% | $7.90 |
| Home Equity Line of Credit5 | 85% loan-to-value | 5.25% | n/a |
Property valuation or appraisal closing costs may range from $175-625 (depending on property type).
5 APR is adjusted monthly and based on the Wall Street Journal Prime. Max APR is 18%. Minimum floor rate = 3.25% APR. Property valuation or appraisal closing costs may range from $175-625 (depending on property type). Property insurance is required.
* Not all applicants will qualify for the lowest rate.
Home Improvement LoansLearn More
| Loan Type | Maximum Financing | APR as low as* | Payment per $1,000 |
|---|---|---|---|
| Home Improvement Loans6 | $25,000, up to 96 months | 6.74% | $13.50 |
6 Rates reflect relationship loan discount pricing and Eco-Friendly qualified loan discount.
* Not all applicants will qualify for the lowest rate.